Summary
Overview
Work History
Education
Skills
Languages
Timeline
Generic

Sara Mohammad

Riverside

Summary

Dynamic sales professional with a proven track record in sales negotiation and customer service. Expert in loan processing and debt consolidation, Banking, consistently achieving sales goals and fostering strong client relationships. Analytical thinking and attention to detail drive successful outcomes in high-pressure environments.

Overview

14
14
years of professional experience

Work History

Auto Refinance Sales

Auto Approve
Riverside
01.2025 - Current
  • Managed customer inquiries through phone, email, and in-person interactions.
  • Upsold clients on GAP/APS/VSC on all acceptable loans
  • Promoted company programs, warranty sales and seasonal promotions to boost sales.
  • Ensured that all sales goals were met on a monthly basis.
  • Promoted warranty sales
  • Collaborated with finance team to facilitate loan approvals for buyers.
  • Maintained knowledge of inventory, pricing, and market trends in automotive sales.
  • Provided after-sales support to ensure customer satisfaction and retention.
  • Assisted customers in selecting a vehicle by answering questions and offering information on features, benefits, and warranties.
  • Attended training sessions regularly to stay up-to-date on product knowledge and industry trends.
  • Provided excellent customer service throughout all stages of the refinance.
  • Maintained knowledge of current sales and promotions, policies regarding payment, trade-in allowances, warranties.
  • Created detailed reports summarizing weekly sales activities for review by management team.
  • Managed sales negotiations and financing options.

Debt Consultant

Tax Relief Advocates
Irvine
06.2024 - 01.2025
  • Analyzed client financial situations to develop tailored debt solutions.
  • Guided clients through debt management plans and financial strategies.
  • Educated clients on credit reporting and debt settlement processes.
  • Collaborated with creditors to negotiate favorable terms for clients.
  • Provided ongoing support and resources to clients throughout the process.
  • Maintained detailed records of client interactions and financial agreements.
  • Prepared presentations outlining solutions for complex debt problems.
  • Managed customer inquiries regarding payment status, account balances, collections activity.

Debt Consultant

CureTax
Irvine
06.2024 - 11.2024
  • Communicated with clients to negotiate repayment plans and resolve issues.
  • Reviewed credit reports to assess risk and recommend actions.
  • Coordinated with internal teams to ensure compliance with debt collection regulations.
  • Utilized software systems to track accounts and monitor payment statuses.
  • Negotiated payment plans with clients to resolve outstanding debts.
  • Advocated for clients in negotiations with creditors to achieve the best possible outcomes.
  • Responded promptly to customer inquiries about the status of their accounts or any changes made by creditors.
  • Calculated clients' available monthly income to meet debt obligations.
  • Accepted and processed customer payments and applied toward account balances.
  • Created debt management plans, spending plans or budgets to assist clients in meeting financial goals.
  • Responded to many telephone calls and emails each day, setting up appointments, answering questions, and collecting information about specific concerns.

Inside Sales Representative

LaserAway
Orange
01.2023 - 06.2024
  • Answered customers' questions regarding products, prices, and availability.
  • Increased sales revenue by building strong relationships with clients and providing insightful product recommendations.
  • Enhanced customer satisfaction through attentive service, addressing concerns promptly, and offering tailored solutions.
  • Maintained up-to-date knowledge of available products to best serve customers and maximize sales potential.
  • Determined needs, delivered solutions, and overcame objections through consultative selling skills.
  • Met or exceeded sales targets and quotas to contribute to overall sales goals and revenue of company.
  • Managed friendly and professional customer interactions.
  • Used CRM software to maintain detailed contact logs and account records.
  • Maintained current knowledge of evolving changes in marketplace.
  • Attended monthly sales meetings and quarterly sales trainings.
  • Kept detailed records of daily activities through online customer database.
  • Informed customers of promotions to increase sales productivity and volume.
  • Negotiated prices, terms of sales and service agreements.
  • Achieved or exceeded company-defined sales quotas.
  • Contributed to event marketing, sales and brand promotion.
  • Recorded accurate and efficient records in customer database.
  • Met existing customers to review current services and expand sales opportunities.
  • Increased sales with execution of full sales cycle processing from initial lead processing through conversion and closing.
  • Promoted conversion of casual shoppers into customers through product knowledge and product solutions to meet customer needs.

Debt Management Specialist

Americor
Irvine
10.2022 - 12.2023
  • Conducted thorough credit analysis to identify potential risks, and determine the appropriate course of action for each client.
  • Implemented innovative tactics in collecting outstanding debts, resulting in increased revenue generation for the company.
  • Worked closely with clients facing bankruptcy proceedings, guiding them through available options for addressing their financial challenges, without resorting to legal action.
  • Reviewed draft legal documents, and made recommendations to management.
  • Collaborated with other financial specialists to develop customized solutions for clients struggling with debt repayment.
  • Streamlined debt collection processes, resulting in faster resolution of overdue accounts, and improved cash flow for the organization.
  • Interviewed clients by telephone or in person to gather financial information.

Loan Processor

Loandepot
Irvine
02.2019 - 02.2023
  • Worked with 40 plus customers in person and via telephone to answer questions, process transactions, and resolve issues.
  • Ensured accuracy of client information, verifying data collected during the application process and updating records as needed.
  • Assisted clients in understanding complex financial documents required for completing their loan applications successfully.
  • Set up and completed loan submission packages.
  • Prepared documents for underwriting by verifying client income, credit reports, and other information.
  • Promoted a positive work environment through effective communication skills and teamwork initiatives.
  • Increased customer satisfaction with timely responses to inquiries and providing thorough explanations of loan processes.
  • Managed multiple loans simultaneously ensuring timely completion of each task assigned without compromising on compliance or quality standards.
  • Collaborated with other departments including sales, underwriting, legal teams for seamless coordination during the entire loan cycle process.
  • Improved loan processing efficiency by streamlining documentation and communication procedures.
  • Provided quick turnaround times to maintain fast-past schedule.
  • Developed and maintained relationships with customers and loan officers to establish smooth loan process.
  • Maintained compliance with federal, state, and company regulations through regular review of updated guidelines.
  • Provided exceptional customer service by addressing borrower concerns and resolving issues in a timely manner.
  • Conducted credit analyses on applicants to assess risk levels prior to approval decisions.
  • Handled any conditions sent from underwriting departments.
  • Coordinated closing process with attorneys, title companies, and government clerks.
  • Conducted detailed risk assessments for loan applications, leading to reduction in defaults.
  • Streamlined loan processing system, significantly reducing processing times by implementing efficient documentation practices.
  • Facilitated training sessions for new staff on loan processing procedures, improving team efficiency and accuracy.
  • Achieved high client satisfaction scores by resolving queries and concerns promptly.
  • Implemented digital filing system, enhancing security and accessibility of sensitive client information.
  • Negotiated terms with underwriters, achieving favourable loan conditions for clients.
  • Coordinated with real estate agents and attorneys to ensure accurate and timely closing of loans.
  • Analysed potential risks and evaluated loan products to identify suitable options for customers.
  • Assessed loan portfolios for compliance with underwriting policies.
  • Helped college students obtain financial aid through loan programs.
  • Supervised loan personnel and motivated to maintain customer service and performance standards.
  • Identified opportunities to cross-sell and upsell loan products to customers.
  • Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
  • Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
  • Processed loan applications and monitored progress from start to finish with 30 day turn around time

Loan Closer

CashFloat LLC
Orange
03.2018 - 03.2019
  • Conducted thorough post-closing audits to identify areas for improvement and implement necessary changes accordingly.
  • Demonstrated adaptability by successfully managing various loan closing tasks across both residential and commercial lending sectors.
  • Stayed up-to-date on industry regulatory changes and best practices in order to maintain compliance at all times during loan closings.
  • Reduced turnaround time for loan approvals by diligently reviewing applications and promptly addressing any discrepancies.
  • Contacted customers via mail, telephone and email to relay acceptance or rejection of applications.
  • Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
  • Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation.

Teller

Chase Bank
Dearborn
07.2014 - 11.2017
  • Balanced cash drawer daily and resolved discrepancies to provide accurate data regarding cash flow.
  • Disbursed cash and checks accurately while maintaining security of cash drawers.
  • Balanced cash drawers daily, identifying discrepancies and taking corrective actions as needed.
  • Processed customer transactions promptly, minimizing wait times.
  • Assisted customers with account inquiries, resolving issues promptly and professionally.
  • Managed high-volume transactions efficiently while maintaining attention to detail, ensuring accurate processing for customers.
  • Improved customer satisfaction by providing efficient and accurate transaction processing.
  • Maintained cash drawer accuracy by conducting regular audits and implementing effective cash handling practices.
  • Developed strong relationships with customers through exceptional service, fostering loyalty and trust.
  • Contributed to a positive work environment by demonstrating professionalism, courteousness, and a strong work ethic.
  • Answered telephone inquiries on checking and savings accounts, loans, and lines of credit.
  • Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.
  • Increased cross-selling opportunities by identifying customer needs and recommending appropriate banking products or services.
  • Educated customers on use of banking website and mobile apps.
  • Streamlined teller operations by maintaining organized workspaces and adhering to policies and procedures.
  • Maintained up-to-date knowledge of bank products, services, promotions, policies, regulations to better assist customers with their financial needs.
  • Handled complex transactions such as wire transfers or foreign currency exchanges with accuracy and efficiency.
  • Identified sales opportunities and referred customers to branch partners in financial services.
  • Boosted cross-selling of bank products by identifying customer needs during transactions.
  • Enhanced fraud detection efforts by vigilantly identifying suspicious activities and transactions.
  • Ensured compliance with banking regulations by accurately completing all required reports and paperwork.
  • Assisted customers with banking needs and inquiries.
  • Executed wire transfers, stop payments and account transfers.
  • Handled various accounting transactions.
  • Cross-sold credit cards, loans and other bank products.
  • Monitored and verified suspicious activity on customer accounts.
  • Wrote and distributed customer correspondence.
  • Trained new hires on customer service policies and procedures.
  • Established rapport with new clients to increase satisfaction and loyalty.
  • Processed applications for new accounts.
  • Calculated fees due, interest and change for customer transactions.
  • Generated monthly reports on customer activity and customer feedback.

Dental Assistant

Ace Dental Care
Riverside
09.2011 - 05.2014
  • Provided chairside assistance during examinations, improving dentist efficiency, and patient satisfaction.
  • Performed x-rays safely while adhering to radiation safety guidelines, ensuring high-quality diagnostic images for dentists' evaluations.
  • Prepared and arranged instruments, medications, and required materials for dental procedures.
  • Performed general chair-side duties for general dentistry, endo procedures, and oral surgery.
  • Documented patient dental health information, medical history, and vital signs for future reference.
  • Explained treatment procedures and instructed patients on home care guidelines.
  • Created dental impressions used for diagnostics, opposing models, and study casts to make crowns, bridges, and other dental prosthetics.
  • Maintained dental supply inventory by checking stock to determine inventory levels, and placing and expediting orders for supplies.
  • Recorded patients' health histories, documented current symptoms, and pulled up records from prior visits for dentists to view and evaluate.
  • Increased patient retention by building rapport through excellent communication skills, and a friendly demeanor.
  • Handled administrative tasks such as billing, insurance claims processing, and appointment confirmation calls to support office operations efficiently.
  • Managed patient records and scheduled appointments using digital software systems.
  • Reviewed patient charts prior to visits to ensure that all relevant information was available for the doctor's review.
  • Worked with cross-functional teams to achieve goals.

Education

Associate of Arts -

Riverside City College
Riverside, CA
02.2017

Skills

  • Sales Negotiation techniques
  • Interest rate reduction
  • Debt consolidation
  • Loan processing
  • Problem-solving
  • Time management
  • Third-party collaboration
  • Active listening
  • Relationship building
  • Loan underwriting
  • Financial reporting
  • Credit history analysis
  • Loan restructuring
  • Payment plan development
  • Credit repair
  • Customer service
  • Attention to detail
  • Multitasking
  • Excellent communication
  • Decision-making
  • Analytical thinking
  • Payment processing
  • Credit report pulling
  • Problem-solving aptitude
  • Financial planning
  • Debt consolidation planning

Languages

Arabic, Full Professional

Timeline

Auto Refinance Sales

Auto Approve
01.2025 - Current

Debt Consultant

Tax Relief Advocates
06.2024 - 01.2025

Debt Consultant

CureTax
06.2024 - 11.2024

Inside Sales Representative

LaserAway
01.2023 - 06.2024

Debt Management Specialist

Americor
10.2022 - 12.2023

Loan Processor

Loandepot
02.2019 - 02.2023

Loan Closer

CashFloat LLC
03.2018 - 03.2019

Teller

Chase Bank
07.2014 - 11.2017

Dental Assistant

Ace Dental Care
09.2011 - 05.2014

Associate of Arts -

Riverside City College

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